The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM COM 00287Y109 711 5,299 SH   SOLE   0 0 5,299
AIR PRODS & CHEMS INC COM 009158106 254 1,093 SH   SOLE   0 0 1,093
ALPHABET INC CAP STK CL C 02079K107 1,256 13,063 SH   SOLE   0 0 13,063
ALPHABET INC CAP STK CL A 02079K305 1,093 11,428 SH   SOLE   0 0 11,428
AMAZON COM INC COM COM 023135106 1,421 12,576 SH   SOLE   0 0 12,576
AMER STATES WTR CO COM 029899101 234 3,000 SH   SOLE   0 0 3,000
AMKOR TECHNOLOGY INC COM 031652100 222 13,000 SH   SOLE   0 0 13,000
APPLE INC COM 037833100 7,552 54,648 SH   SOLE   0 0 54,648
ASSURANT INC COM 04621X108 334 2,299 SH   SOLE   0 0 2,299
ASTRAZENECA PLC SPONSORED ADR 046353108 504 9,198 SH   SOLE   0 0 9,198
AT&T INC COM 00206R102 1,118 72,874 SH   SOLE   0 0 72,874
BERKSHIRE HATHAWAY INC DEL CL A 084670108 2,032 5 SH   SOLE   0 0 5
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 991 3,710 SH   SOLE   0 0 3,710
BK OF AMERICA CORP COM 060505104 440 14,574 SH   SOLE   0 0 14,574
BLACKROCK CAP ALLOCATION TR COM 09260U109 20,746 1,524,315 SH   SOLE   0 0 1,524,315
BLACKROCK INC COM 09247X101 415 755 SH   SOLE   0 0 755
BLACKROCK INNOVATION AND GRW SHS BEN INT 09260Q108 600 82,551 SH   SOLE   0 0 82,551
BLACKROCK MUN TARGET TERM TR COM SHS BEN IN 09257P105 3,526 171,851 SH   SOLE   0 0 171,851
BLACKROCK SCIENCE & TECHNOLOGY SHS BEN INT 09260K101 9,620 545,376 SH   SOLE   0 0 545,376
BLACKSTONE INC COM COM 09260D107 11,141 133,112 SH   SOLE   0 0 133,112
BLACKSTONE MTG TR INC COM CL A 09257W100 281 12,053 SH   SOLE   0 0 12,053
BLACKSTONE SECD LENDING FD COMMON STOCK 09261X102 5,115 224,919 SH   SOLE   0 0 224,919
CHEVRON CORP NEW COM 166764100 949 6,606 SH   SOLE   0 0 6,606
CHUBB LIMITED COM H1467J104 10,693 58,794 SH   SOLE   0 0 58,794
CISCO SYS INC COM 17275R102 325 8,135 SH   SOLE   0 0 8,135
CITIZENS FINL GROUP INC COM 174610105 269 7,842 SH   SOLE   0 0 7,842
COCA COLA CO COM 191216100 318 5,675 SH   SOLE   0 0 5,675
COMCAST CORP NEW CL A 20030N101 2,873 97,968 SH   SOLE   0 0 97,968
CORTEVA INC COM 22052L104 458 8,010 SH   SOLE   0 0 8,010
COSTCO WHSL CORP NEW COM 22160K105 591 1,252 SH   SOLE   0 0 1,252
CVS HEALTH CORP COM 126650100 286 3,000 SH   SOLE   0 0 3,000
DIAGEO PLC SPON ADR NEW 25243Q205 292 1,719 SH   SOLE   0 0 1,719
DISNEY WALT CO COM 254687106 613 6,496 SH   SOLE   0 0 6,496
DOW INC COM 260557103 382 8,691 SH   SOLE   0 0 8,691
DUPONT DE NEMOURS INC COM 26614N102 397 7,886 SH   SOLE   0 0 7,886
EATON VANCE MUN INCOME 2028 SHS 27829U105 306 16,343 SH   SOLE   0 0 16,343
EATON VANCE TAX-MANAGED GLOB COM 27829F108 145 20,000 SH   SOLE   0 0 20,000
ECOVYST INC COM 27923Q109 204 24,140 SH   SOLE   0 0 24,140
ENERGY TRANSFER L P COM UT LTD PIN 29273V100 182 16,497 SH   SOLE   0 0 16,497
EXXON MOBIL CORP COM 30231G102 801 9,170 SH   SOLE   0 0 9,170
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 453 10,511 SH   SOLE   0 0 10,511
FORD MTR CO DEL COM 345370860 160 14,277 SH   SOLE   0 0 14,277
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 2,554 103,183 SH   SOLE   0 0 103,183
GOLUB CAP BDC INC COM 38173M102 474 38,254 SH   SOLE   0 0 38,254
HOME DEPOT INC COM 437076102 613 2,220 SH   SOLE   0 0 2,220
INTERNATIONAL BUSINESS MACHS COM 459200101 542 4,564 SH   SOLE   0 0 4,564
INTUIT COM 461202103 509 1,315 SH   SOLE   0 0 1,315
INVESCO DB MULTI-SECTOR COMM AGRICULTURE FD 46140H106 217 10,840 SH   SOLE   0 0 10,840
INVESCO EXCH TRADED FD T S&P500 EQL WGT 46137V357 32,564 255,845 SH   SOLE   0 0 255,845
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 3,923 67,841 SH   SOLE   0 0 67,841
INVESCO EXCH TRADED FD TR II S&P 500 REVENUE 46138G698 2,398 35,734 SH   SOLE   0 0 35,734
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 178 15,000 SH   SOLE   0 0 15,000
INVESCO QQQ TR UNIT SER 1 46090E103 34,080 127,516 SH   SOLE   0 0 127,516
ISHARES GLOBAL TR GLOBAL 100 ETF 464287572 46,628 783,407 SH   SOLE   0 0 783,407
ISHARES GOLD TR ISHARES NEW 464285204 19,562 620,438 SH   SOLE   0 0 620,438
ISHARES TR MSCI ACWI ETF 464288257 23,261 298,872 SH   SOLE   0 0 298,872
ISHARES TR CORE S&P SCP ETF 464287804 17,933 205,673 SH   SOLE   0 0 205,673
ISHARES TR CORE S&P US GWT 464287671 17,531 218,645 SH   SOLE   0 0 218,645
ISHARES TR CORE S&P MCP ETF 464287507 16,583 75,630 SH   SOLE   0 0 75,630
ISHARES TR S&P 100 ETF 464287101 15,592 95,950 SH   SOLE   0 0 95,950
ISHARES TR CORE S&P US VLU 464287663 13,330 212,907 SH   SOLE   0 0 212,907
ISHARES TR 0-5 YR TIPS ETF 46429B747 8,396 87,353 SH   SOLE   0 0 87,353
ISHARES TR COR EUS AGGBD ET 464287226 8,381 86,990 SH   SOLE   0 0 86,990
ISHARES TR I-3 YR TRES BD 464287457 5,337 65,714 SH   SOLE   0 0 65,714
ISHARES TR IBOXX INV CP ETF 464287242 4,827 47,114 SH   SOLE   0 0 47,114
ISHARES TR CORE MSCI TOTAL 46432F834 3,997 78,491 SH   SOLE   0 0 78,491
ISHARES TR CORE S&P TTL STK 464287150 3,977 50,003 SH   SOLE   0 0 50,003
ISHARES TR RUS 1000 GRW ETF 464287614 3,705 17,607 SH   SOLE   0 0 17,607
ISHARES TR MSCI USA QLT FCT 46432F339 2,244 21,589 SH   SOLE   0 0 21,589
ISHARES TR SHRT NAT MUN ETF 464288158 1,918 18,680 SH   SOLE   0 0 18,680
ISHARES TR NATIONAL MUN ETF 464288414 1,813 17,677 SH   SOLE   0 0 17,677
ISHARES TR CORE MSCI EAFE 46432F842 1,045 19,832 SH   SOLE   0 0 19,832
ISHARES TR RUS 1000 VAL ETF 464287598 957 7,039 SH   SOLE   0 0 7,039
ISHARES TR TIPS BD ETF 464287176 945 9,009 SH   SOLE   0 0 9,009
ISHARES TR CORE MSCI EMKT 46434G103 911 21,207 SH   SOLE   0 0 21,207
ISHARES TR SCI EAFE ETF 464287465 848 15,145 SH   SOLE   0 0 15,145
ISHARES TR CORE HIGH DV ETF 46429B663 798 8,746 SH   SOLE   0 0 8,746
ISHARES TR S&P MC 400VL ETF 464287705 523 5,807 SH   SOLE   0 0 5,807
ISHARES TR U.S. TECH ETF 464287721 464 6,324 SH   SOLE   0 0 6,324
ISHARES TR CORE DIV GRWTH 46434V621 446 10,038 SH   SOLE   0 0 10,038
ISHARES TR MSCI USA MMENTM 46432F396 353 2,690 SH   SOLE   0 0 2,690
ISHARES TR PFD AND INCM SEC 464288687 317 10,000 SH   SOLE   0 0 10,000
ISHARES TR S&P 500 GRWT ETF 464287309 279 4,829 SH   SOLE   0 0 4,829
ISHARES TR RUS 2000 ETF 464287655 247 1,499 SH   SOLE   0 0 1,499
ISHARES TR RUS 1000 ETF 464287622 211 1,068 SH   SOLE   0 0 1,068
ISHARES TR RUS MID CAP ETF 464287499 202 3,258 SH   SOLE   0 0 3,258
JOHN HANCOCK EXCHANGE TRADED MLTFCTR LRG CAP 47804J107 1,374 30,237 SH   SOLE   0 0 30,237
JOHNSON & JOHNSON COM 478160104 1,750 10,715 SH   SOLE   0 0 10,715
JPMORGAN CHASE & CO COM 46625H100 1,697 16,244 SH   SOLE   0 0 16,244
JPMORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 1,820 36,282 SH   SOLE   0 0 36,282
JPMORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 328 6,529 SH   SOLE   0 0 6,529
LATTICE STRATEGIES TR HARTFORD MLT ETF 518416102 540 24,849 SH   SOLE   0 0 24,849
LOCKHEED MARTIN CORP COM 539830109 288 746 SH   SOLE   0 0 746
M & T BK CORP COM 55261F104 493 2,798 SH   SOLE   0 0 2,798
MARSH & MCLENNAN COS INC COM 571748102 659 4,416 SH   SOLE   0 0 4,416
MASTERCARD INCORPORATED CL A 57636Q104 376 1,322 SH   SOLE   0 0 1,322
MERCK & CO INC COM 58933Y105 203 2,352 SH   SOLE   0 0 2,352
META PLATFORMS INC CL A 30303M102 372 2,741 SH   SOLE   0 0 2,741
MICROSOFT CORP COM 594918104 3,151 13,531 SH   SOLE   0 0 13,531
MORGAN STANLEY COM NEW 617446448 304 3,851 SH   SOLE   0 0 3,851
NOVO-NORDISK A S ADR 670100205 430 4,311 SH   SOLE   0 0 4,311
NVIDIA CORPORATION COM 67066G104 265 2,179 SH   SOLE   0 0 2,179
OTIS WORLDWIDE CORP COM 68902V107 222 3,478 SH   SOLE   0 0 3,478
PACER FDS TR GLOBAL CASH ETF 69374H709 17,055 637,586 SH   SOLE   0 0 637,586
PACER FDS TR US CASH COWS 100 69374H881 457 11,149 SH   SOLE   0 0 11,149
PAYCHEX INC COM 704326107 220 1,957 SH   SOLE   0 0 1,957
PFIZER INC COM 717081103 1,421 32,469 SH   SOLE   0 0 32,469
PGIM ETF TR PGIM ULTRA SH BD 69344A107 333 6,780 SH   SOLE   0 0 6,780
PHILIP MORRIS INTL INC COM 718172109 360 4,333 SH   SOLE   0 0 4,333
PIMCO INCOME STRATEGY FD II COM 72201J104 76 11,000 SH   SOLE   0 0 11,000
PROCTER AND GAMBLE CO COM 742718109 467 3,698 SH   SOLE   0 0 3,698
PROSHARES TR II VIX SH TRM FUTRS 74347Y854 216 12,608 SH   SOLE   0 0 12,608
RELX PLC SPONSORED ADR 759530108 354 14,565 SH   SOLE   0 0 14,565
SANOFI SPONSORED ADR 80105N105 240 6,321 SH   SOLE   0 0 6,321
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 709 5,858 SH   SOLE   0 0 5,858
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 547 3,843 SH   SOLE   0 0 3,843
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 507 16,691 SH   SOLE   0 0 16,691
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 317 2,668 SH   SOLE   0 0 2,668
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 307 6,419 SH   SOLE   0 0 6,419
SELECT SECTOR SPDR TR ENERGY 81369Y506 269 3,738 SH   SOLE   0 0 3,738
SIRIUS XM HOLDINGS INC COM 82968B103 214 37,476 SH   SOLE   0 0 37,476
SOCIETAL CDMO INC COM 75629F109 80 48,800 SH   SOLE   0 0 48,800
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 34,319 119,453 SH   SOLE   0 0 119,453
SPDR GOLD TR GOLD SHS 78463V107 3,948 25,523 SH   SOLE   0 0 25,523
SPDR S&P 500 ETF TR TRU UNIT 78462F103 4,242 11,876 SH   SOLE   0 0 11,876
SPDR SER TR NUVEEN BLMBRG MU 78468R721 1,788 40,645 SH   SOLE   0 0 40,645
SPDR SER TR S&P 400 MDCP GRW 78464A821 532 8,818 SH   SOLE   0 0 8,818
SPDR SER TR S&P BIOTECH 78464A870 238 3,000 SH   SOLE   0 0 3,000
SPDR SER TR S&P DIVID ETF 78464A763 208 1,865 SH   SOLE   0 0 1,865
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 277 4,040 SH   SOLE   0 0 4,040
TELUS CORPORATION COM 87971M103 439 22,113 SH   SOLE   0 0 22,113
TESLA INC COM 88160R101 455 1,714 SH   SOLE   0 0 1,714
TRUIST FINL CORP COM 89832Q109 217 200,595 SH   SOLE   0 0 200,595
UNITED PARCEL SERVICE INC CL B 911312106 1,349 8,353 SH   SOLE   0 0 8,353
UNITEDHEALTH GROUP INC COM 91324P102 960 1,902 SH   SOLE   0 0 1,902
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 210 2,805 SH   SOLE   0 0 2,805
VANGUARD INDEX FDS VALUE ETF 922908744 2,731 22,118 SH   SOLE   0 0 22,118
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,254 10,298 SH   SOLE   0 0 10,298
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,101 6,132 SH   SOLE   0 0 6,132
VANGUARD INDEX FDS SML CP GRW ETF 922908595 643 3,297 SH   SOLE   0 0 3,297
VANGUARD INDEX FDS SM CP VAL ETF 922908611 483 3,365 SH   SOLE   0 0 3,365
VANGUARD INDEX FDS GROWTH ETF 922908736 216 1,010 SH   SOLE   0 0 1,010
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 5,110 37,811 SH   SOLE   0 0 37,811
VANGUARD WORDS FDS FINANCIALS ETF 92204A405 206 2,773 SH   SOLE   0 0 2,773
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 323 2,052 SH   SOLE   0 0 2,052
VERIZON COMMUNICATIONS INC COM 92343V104 376 9,899 SH   SOLE   0 0 9,899
VISA INC COM CL A 92826C839 627 3,530 SH   SOLE   0 0 3,530
WALMART INC COM 931142103 242 1,866 SH   SOLE   0 0 1,866
WARNER BROS DISCOVERY INC COM SER A 934423104 199 17,308 SH   SOLE   0 0 17,308
WASTE MGMT INC DEL COM 94106L109 275 1,717 SH   SOLE   0 0 1,717
WISDOMTREE TR US LARGECAP DIVD 97717W307 27,647 500,306 SH   SOLE   0 0 500,306
WISDOMTREE TR EM EX ST-OWNED 97717X578 17,391 706,392 SH   SOLE   0 0 706,392
WISDOMTREE TR ENHNCD CMMDTY ST 97717Y683 12,898 605,086 SH   SOLE   0 0 605,086
WISDOMTREE TR FLOATING RAT TREA 97717Y527 5,782 114,999 SH   SOLE   0 0 114,999
WISDOMTREE TR ITL HDG QLTY DIV 97717X594 1,677 46,735 SH   SOLE   0 0 46,735
WISDOMTREE TR US TOTAL DIVIDND 97717W109 424 7,816 SH   SOLE   0 0 7,816
WISDOMTREE TR US QTLY DIV GRT 97717X669 238 4,411 SH   SOLE   0 0 4,411